Car Costs UK 2026 — Running Costs, Finance Options and Buying Guide

MOT and Servicing Costs UK — What to Expect

Guide to car MOT and servicing costs in the UK. What's included, typical prices, when servicing is needed, and how to save money on maintenance.

Start here: Car Costs Hub.

Regular servicing keeps your car safe and protects its value. Here’s what it costs.

MOT Test

What Is an MOT?

FeatureDetails
What it isAnnual roadworthiness test
When neededCars 3+ years old
TestsSafety and environmental standards
Valid for12 months
Legal requirementYes, for road use

MOT Costs

FeeAmount
Maximum legal fee£54.85 (cars)
Typical charge£35-£50
Discounted/freeOften with service

What’s Tested

CategoryItems Checked
LightsAll lights working
BrakesEfficiency and condition
TyresTread depth (1.6mm minimum)
SteeringSystem condition
SuspensionWorn parts
ExhaustEmissions and security
BodyworkSharp edges, corrosion
WindscreenChips in driver’s view

Pass/Fail/Advisory

ResultWhat It Means
PassRoadworthy, good for 12 months
AdvisoryItems to monitor, not failures
Minor defectsNoted but passed
Major defectsFail — must be repaired
Dangerous defectsFail — not safe to drive

If Your Car Fails

OptionDetails
Repair and retestFree partial retest within 10 days
Leave for repairsAt testing garage
Take elsewhereMay need full retest
Drive homeOnly if no dangerous defects

Car Servicing

Service Types

ServiceWhat’s IncludedTypical Cost
Interim/minorOil, filter, basic checks£80-£150
Full/majorAll fluids, filters, comprehensive£150-£300+
Manufacturer serviceAs per handbook schedule£200-£400+

What’s Included

Interim ServiceFull Service (Adds)
Oil changeAll of interim plus…
Oil filterAir filter
Basic safety checksFuel filter (diesel)
Top up fluidsCabin/pollen filter
Tyre checkSpark plugs (petrol)
Lights checkBrake fluid
Full inspection

Service Schedule

IntervalService Type
6 months / 6,000 milesInterim (some cars)
12 months / 10,000-12,500 milesFull service
24 months / 20,000 milesMajor service
VariesCheck manufacturer handbook

Dealer vs Independent

FactorMain DealerIndependent
Cost£200-£400+£100-£200
PartsGenuine OEMOEM or quality equivalent
WarrantyOften required perceptionCan use if qualified
ConvenienceOften extras includedUsually basic service
TrustBrand backingFind reputable garage

Typical Costs

By Service Type

ServiceIndependentMain Dealer
MOT£30-£50£50-£55
Interim service£80-£150£150-£200
Full service£150-£250£250-£400
MOT + Service£130-£200£250-£350

By Car Type

Car TypeService Cost Range
Small hatchback£80-£200
Family car£100-£250
SUV£150-£300
German premium£200-£400+
Luxury/performance£300-£600+

Common Repair Costs

RepairTypical Cost
Brake pads (pair)£100-£200
Brake discs + pads£200-£400
New tyres (each)£50-£150
Battery£80-£200
Alternator£200-£400
Clutch replacement£400-£800
Timing belt£300-£600

When Extra Work Is Needed

Common Advisory Items

ItemWhen to Address
Brake pads wornWithin next few thousand miles
Tyre tread lowBefore reaching 1.6mm
Suspension wearUsually can wait till next service
Oil leak minorMonitor closely

Replacement Intervals

PartTypical Interval
Timing belt60,000-100,000 miles
Brake fluidEvery 2 years
CoolantEvery 3-5 years
Transmission fluid30,000-60,000 miles
Spark plugs30,000-60,000 miles

Saving Money

MOT Savings

StrategySaving
Free MOT with service£35-£55
Halfords autocentresOften competitive
Local independentsOften cheaper
Check tyres/lights yourselfAvoid easy failures

Service Savings

StrategySaving
Use independent garage30-50%
Buy parts yourselfSometimes cheaper
Service plansSpread cost, fix price
Compare quotesSignificant variation

DIY Where Possible

Easy DIYHarder (Leave to Garage)
Top up washer fluidTiming belt
Check tyre pressuresBrake repairs
Replace wiper bladesSuspension work
Replace bulbsAnything safety-critical

Finding a Good Garage

SourceHow
Personal recommendationsAsk friends/family
Online reviewsGoogle, Trustpilot
Good Garage SchemeVetted members
RAA approvedInspection standards

Service Records

Why They Matter

BenefitDetails
Resale valueFull history adds value
WarrantyMay be required
Peace of mindKnow car maintained
Problem diagnosisHistory helps mechanics

What to Keep

DocumentWhy
Service stampsIn service book
InvoicesProof of work done
MOT historyAvailable online
ReceiptsFor warranty claims

Summary: Maintenance Checklist

Annual Requirements

ItemWhen
MOTEach year after car is 3
ServiceEvery 12 months / 12,000 miles
TaxKeep current
InsuranceKeep current

Typical Annual Costs

ItemBudget
MOT£40-£55
Service£150-£300
Tyres (if needed)£200-£400
Repairs (average)£100-£300
Total£490-£1,055

Signs Your Car Needs Attention

WarningPossible Issue
Warning lightsVarious - check promptly
Unusual noisesBearings, brakes, exhaust
Pulling to one sideAlignment, brakes
VibrationTyres, brakes, wheels
Poor fuel economyService needed

Key Dates

MilestoneAction
MOT due dateBook 2-4 weeks early
Service dueCheck mileage and date
Timing belt intervalDon’t miss this

Regular maintenance costs money but prevents expensive breakdowns and keeps your car safe. Budget for ongoing costs and shop around for the best value.

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Sources

  1. MoneyHelper — Everyday money